• Annual fees: ₹850 + taxes
• Take advantage of annual fee waivers by enrolling in the HDFC Bank Imperia Premium Banking Programme. 
• Click here for more details
• Terms and Conditions
• Key Fact Sheet

• Both Residents and NREs can apply for the Platinum Debit Card.

Resident Indians should hold one of the following:

• Savings Account
• Current Account
• Salary Account
• No additional documents are required for issuing the Platinum Debit Card to existing HDFC Bank account holders. When the card expires, a new card is automatically sent to the registered address.  

Upgrade your card

• Now upgrade to HDFC Bank Platinum Debit Card in a Fast and Convenient way through NetBanking in 3 simple steps:
• Login to NetBanking, click on "Cards Tab" and select "Debit Card Upgrade" under the Debit Card request section.
• Select - existing Debit Card number
• Select and confirm - existing Debit Card number
• Issuance of the new upgraded Debit Card is subject to successful processing of the request as per customer eligibility. The upgraded Debit Card will be delivered to mailing address on record within Next 5 Working Days (for Metro Locations). To know your location specific delivery time, please click here.
• Your existing Debit Card will get deactivated upon using your upgraded card or within 90 days whichever is earlier.

• MyCards, a mobile-based service platform for all Debit Card needs, facilitates convenient activation and management of your Platinum Debit Card on the go. It ensures a seamless experience without the need for passwords or downloads.  
• Debit Card Registration & Activation  
• Set up Card PIN  
• Manage Card Controls like Online Spends, Contactless Transactions, etc.  
• View Transactions / Download e-Statements  
• Check Reward Points  
• Block/ Re-Issue Card  
• Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card. *For Security reasons, ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for first 6 months from Account opening date.  
• For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 lakh per day and ₹ 10 lakh per month. This is implemented with immediate effect.  
  In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs.

International card 

• Travel with confidence and ease with this globally-accepted card 

Airport Lounge Benefits 

• Get 2 airport lounge access across airports in India, per quarter. 

• Effective 10th January 2026, you will get complimentary lounge benefit only if you spend ₹ 10,000 or more in calendar quarter. For more information click here

Safety 

• Stay protected against unauthorised use with the EMV Chip Card technology in your card 

• Be assured of zero liability on lost card after reporting the loss 

High spending limit  

• Withdraw up to ₹100,000 a day at ATMs and spend up to ₹5 lakhs at merchant establishments 

• Cash withdrawal facility can now be availed across merchant establishments with a maximum upper limit of ₹2,000/transaction on your HDFC Bank Debit Cards, maximum Cash at POS limit per month is of ₹10,000/- 

CashBack

• Get 1 CashBack point for every ₹200 spent on groceries, supermarkets, restaurants, apparel, and entertainment. 

• Benefit from a maximum cap of ₹750 per card per month.

SmartBuy PayZapp Offer

• Earn Upto 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuy :https://offers.smartbuy.hdfcbank.com/offer_details/15282

Debit Card EMI 

• Enjoy No cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more. Convert any purchases above ₹5,000 into EMI

Additional Insurance

• ₹3 crore additional international air coverage on your Debit Card. 

Note: To keep your insurance coverage active, make at least one transaction (POS/e-com/standing instruction) every 90 days, effective July 01, 2014. Additional air coverage is valid on the purchase of air tickets, click here to know more. To be eligible for fire & burglary or loss of checked baggage insurance claims, make at least one purchase transaction with the Debit Card within 3 months before the event date. Zero Liability to any fraudulent Point of Sale transactions that take place up to 30 days before reporting the card loss. Click here for more details.

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card. *For Security reasons, ATM cash withdrawal limit is capped at ₹0.5 lakh per day and ₹10 lakh per month for first 6 months from Account opening date.  

For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 lakh per day and ₹ 10 lakh per month. This is implemented with immediate effect.  
In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, please click here for FAQs.

Imperia Platinum Chip Debit Card is enabled* for Contactless Payments at retail outlets.  The HDFC Bank Debit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.  
*To see if your Card is contactless, look for the contactless network symbol on your Card. You can use your Card to make quick transactions at merchant locations accepting contactless Cards.  
Information on Contactless Debit Card - Click Here 

• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Debit Card PIN for security reasons. 

• Kindly note, effective 1 June 2015, Movida service will be discontinued for HDFC Bank Debit Cards. 

• Please Note - In case purchase/ transaction is returned/ cancelled/ reversed, CashBack points toward posted towards transactions will be reversed.

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
• Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Debit Card can be accessed digitally. Click here.